Szul Jewelry has the Natural Freshwater Black Pearl and Diamond Pendant in Sterling Silver for $29 with free shipping. Features one 6-6.5mm natural freshwater black round pearl with one round prong-set diamond accent (.01ct). Set in .925 sterling silver.
Cyber Monday: 100 Items on Sale [Exp 11/29]
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That "1.75 Carat Genuine Ruby and Diamond Pendant in .950 Sterling Silver " for 48 bucks is actually quite good. It's hard to find larger natural rubies for this price.